multijoy
World Chat Champion
Joined: 03 Oct 2008
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 Posted: 08:56 - 08 Jul 2010  Post subject: Insurance and convictions |
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I don't know if this is old news but I was doing some digging for something slightly related and came across this.
It's the case of an individual with a drink drive conviction. The endorsement remains for 11 years, but the conviction itself has become spent. The chap lost his case but the judge made some comments and the Financial Ombudsman went on to say that
| Quote: | [..]By way of analogy, there seems no reason why a rehabilitated drink-driver, if he had evidence, would not have an equally strong case if he was refused insurance or was given less favourable terms and conditions than other policyholders, simply because of his spent conviction. If firms insist on asking questions about spent convictions, then they must effectively ignore the answers they receive. Otherwise, we are likely to consider they have breached their statutory duty.
Similarly, if a firm cancels the policy of a customer who has a spent conviction (but whose licence is still endorsed), simply because the customer did not disclose the endorsement, then we will uphold the customer’s complaint.
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It's quite old, but I've not seen it before and thought it might be of interest.
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Jayy
Mr. Ponzi
Joined: 08 Jun 2009
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